Preparation / Directions:
Put refried beans and salsa in a non-stick frying pan and heat and stir until creamy. Spread bean mixture evenly in the bottom of a non-aluminum serving dish. Top with tomatoes, onions, black olives and Jalapeno peppers in layers. Spread sour cream evenly on top, being careful not to disturb bottom ingredients ( it helps to let sour cream warm to room temperature before using). Top entire dish with cheese and sprinkle with chili powder. Serve with your favorite nacho chips.